Higher insurance would be a market function.
So yes, insurance could cost more... or simply be refused to cover.
The determination by the Legislature is usually along the lines of monetary value... sometimes direct, sometimes indirect.
Their desire is usually more freedom, though based on political philosophy rather than reality. But in the end the State has to pay its bills... so it has to tax for its decisions.
Seat belts are minor issue to it due to the largely indirect nature of the accounting... same with helmets. So it gets a bit harder to quantify.
The lack of Covid vaccination was/is also hard to quantify. Lockdown was the biggest economic threat, but even after the vaccine... we still lock out people that test positive from working. But the economic impact is at the business, and less directly felt in the State budget.
As we get rid of some of our past taxing systems, and have to adjust our largest to stay competitive with other jurisdictions, the budget tightens and our permissive nature falls to our actual conservative fiscal nature.
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